Date Received: 2023-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of Identity Theft. I have been trying to resolve this matter for 2.5yrs with the original creditors as well with the Credit Bureaus XXXX I have contacted several times, by email, phone and mail providing them with legal documents as well. These 3 accounts are fraudulent Kohls, XXXX and XXXX XXXX. I have not gotten any resolution in this matter at all. PLEASE HELP.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had my personal debit card/checking account from XXXX XXXX linked to my capital one credit card account to make payments. Capital one erased my checking account info from XXXX XXXX, after I have had payments go through for over 6 months effectively. I have called both capital one and XXXX XXXX, capital one told me I had to go into XXXX XXXX to get a letterhead letter faxed to Capitol one containing my routing number, account number and XXXX XXXX representative, this was obtained and faxed to Capital one on XX/XX/XXXX. I have not heard anything from them, and still when I try it wont re-link my account to make a payment. I have called them numerous times, and spoke to an employee XXXX employee ID # XXXX on XX/XX/XXXX, she informed me she would be calling me the following day as the department needed was not in, however I never got a call from her as discussed at XXXX. So I called again and spoke to XXXX XXXX ID number XXXX who told me he would email her since he can not connect me to a supervisor in that department. This is ridiculous and no one is able to help me, it was linked before with payments and now they wont add it back and XXXX cant make payments with a payment due XX/XX/XXXX. Please help me get my account set up this has been on going now for XXXX weeks and is not acceptable, and wrong of the capital one employees for making me do all this work and not even call me back? This is wasting my time when it shouldnt be at all.
Company Response:
State: NJ
Zip: 08648
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was put in a payment plan since XX/XX/2023 with capital one. Every XXXX of the month I make a payment. Accounting to the agent they would not report late fees. My credit report shows I have late fees. I spoke to an agent today about this and they didnt help me to solve this problem. I have a letter them them saying I have a payment plan and I could log in that I been making payment since XXXX every XXXX if the month with no late fee showing. But my credit was run and it showed I have late payments.
Company Response:
State: CA
Zip: 92867
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Only on my XXXX credit file, it shows I have a late payment for a Capital One card ending in XXXX that I have closed and I know I made a final payment before it closed. The late payment only shows on my XXXX and not my XXXX or XXXX credit report. I do not believe this is fair because I have never had a 30 day late payment on any of my credit accounts. I have dispute the results with XXXX and they have told me that the missed payment is correct even though it is not. After that I have called Capital One customer support and they have confirmed with me that a payment has been recieved. I was then informed to send a letter to Capital One which I have and received a letter stating that the missed payment is still accurate. I don't know what my options are now to get this removed.
Company Response:
State: TX
Zip: 75028
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: A payment of {$190.00} made on XX/XX/26 has been placed on hold for XXXX days when the payment method has been used several times in the past without any returned payments.
Company Response:
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Captial One intentionally lied to disqualify a dispute request. After more than a year of frequently calling, waiting and checking and being told to submit documents several times - I was told that the case was disqualified at the start for being 10 days late to a paperwork submission deadline. I HAD NO NOTIFICATION OF THIS DEADLINE. I was told ( after 1.5 years ) that Capital One expects customers to log in and frequently check a hidden " documents '' area to get notifications. They do not provide direct notification and disqualified my request retroactively because of this excuse. Then, they lied saying the issue was fully resolved. I believe them, but later discovered that they corrected ONLY ONE OF TWO FALSE CHARGES. This is plain fraud.
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was traveling in XXXX used capital one card at lot of places and my card got stolen and saw few fraud transaction which I reported and capital one denied the claim without any investigation. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount of Charge {$38.00} {$68.00} {$4.00} {$2300.00} {$4.00} {$1.00}
Company Response:
State: WA
Zip: 98033
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Despite me sending a police report stating that my card was lost capital one still decided to charge back charges because they didnt have anything to go off they wont release my savings
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX XXXX XXXX XXXX : CapitalOne blocked my account for alleged fraud. I was the one making the charges and used their app, email and text security features to approve charges. They then asked me to call # on back of card as my account was blocked until reactivated. I did and they told me that I would need to upload a copy of the front/back of my govt issued ID to verify my identity. I objected as they have more than sufficient information to verify me with existing system and I did not want to now also add my image and likeness. I indicated I would be happy to verify any other way but didn't feel comfortable with them having a picture on file. They've now blocked me from transactions on my account -- except payments -- until I provide this. I am, in essence, being held hostage by the credit card company. ADDED DETAILS : If this was about MY security, they would recognize that IF my purse had been stolen, the thief would have my phone and wallet -- which would have both my card AND my ID. Asking the thief to upload, fax or email a copy of the ID would not ACTUALLY verify they are speaking to me. It would simply verify the person with possession of the ID is the one they're speaking to. Additionally, I offered the following : XXXX. to answer any number of security questions from info they have on file ; 2. to send them a signed, sworn Affidavit from a notary would would have seen me and my ID in person and attested and notarized to that effect ; 3. use of a 3rd party system like ID.me to verify my identity ; and/or 4. presenting myself in person at their local CapitalOne cafe with said ID. They refused indicating that my sending them the image was the ONLY option.Again, they are holding me and my account hostage and there is no actual SECURITY reason for it.
Company Response:
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A